Car Finance for Businesses
Flexible Funding for Cars, Fleets & Motorhomes
Funding Your Next Vehicle
Whether you’re financing a company car, expanding a fleet or purchasing a sports car for yourself, we’ll help you explore car finance options suited to your needs.
Through our panel of 25 trusted lenders, we can arrange finance for new and used cars, company and fleet vehicles, motorhomes, caravans and certain converted campervans. We can also help with luxury, prestige and classic cars, electric and hybrid models, imported vehicles and private purchases.
We’ll take the time to understand what you’re buying, how you’ll use it and what you need from the agreement. We can then explain your options and approach suitable lenders on your behalf, without you having to make multiple applications.
Based in Leicestershire, we support businesses and business owners locally and across the UK.
Whatever you’re looking to drive next, call us today on 01455 250 690 to discuss your car finance options or send us an email.
Vehicles We Can Help You Finance
New & Used Cars
Whether you’re buying a brand-new model or a used car, we can help you explore finance options based on the vehicle, whether it is for personal or business use, your budget and whether you want to own or return it at the end of the agreement.
Fleet & Company Cars
From financing a single company car to expanding or replacing a fleet, we can help you compare suitable finance options. We’ll consider the vehicles required, your budget and cash flow, and whether you want to own or return them at the end of the agreement.
Motorhomes, Campervans & Caravans
Motorhome finance can be arranged over terms of up to 10 years, with a balloon payment available at the end of the agreement. Finance is also available for caravans, while certain converted campervans can be considered by funders on our panel.
Luxury, Prestige, Performance & Classic Cars
High-value, rare and older vehicles do not always meet standard lending criteria. We can approach suitable lenders for luxury, prestige, performance, supercar and classic car finance, whether you’re buying personally or through a business.
Electric & Hybrid Cars
Finance is available for fully electric cars, plug-in hybrids (PHEVs) and other hybrid models for personal or business use. We’ll help you compare suitable options based on the vehicle, your budget, expected mileage and whether you want to own or return it at the end of the agreement.
Imported, Left-Hand-Drive & Private-Sale Vehicles
We can help arrange finance for imported and left-hand-drive cars, as well as vehicles bought through a private sale. We’ll approach suitable lenders from our panel and explain the options available.
“Thanks to the Shed of Shillings for turning my finance around in such a short time, which involved work over a weekend – 10 out of 10! Thank you all!”
Parker & Parker
Refinancing for a luxury car
Choosing the Right Finance Option
There’s more than one way to finance a vehicle, and the right option will depend on whether it is for personal or business use, the vehicle you’re buying, your budget and whether you want to own it.
At Causon Business Finance, we take the time to understand what you need from the agreement. We can then talk you through the available car finance options, including hire purchase, refinancing, leasing, contract hire, PCP and loans, and explain how each one works.
Hire Purchase (HP) and Vehicle Refinace
Hire purchase spreads the cost of a car over agreed monthly payments, with ownership transferring after the final payment and any purchase fee. A balloon payment based on the car’s future value and expected usage can help keep monthly payments down. Vehicle refinance uses the value in a vehicle you already own to release funds or replace an existing finance agreement.
Finance Lease
A finance lease allows a business to use a car while making monthly rental payments over an agreed term. It can be VAT efficient for certain VAT-qualifying vehicles and may include a balloon payment to reduce the monthly cost. At the end of the lease, the business may continue renting the vehicle or arrange its sale.
Contract Hire
Contract hire can be a tax-efficient way for a business to use a car for an agreed period and mileage in return for monthly rentals. The vehicle is returned at the end, so the business doesn’t have the hassle of arranging to sell it.
Personal Contract Purchase (PCP)
With PCP, you pay an initial deposit followed by monthly payments. At the end of the agreement, you can pay the optional final balloon payment to own the car, return it subject to mileage and condition, or use it towards another vehicle.
Car Loans
A car loan provides a lump sum to purchase the vehicle, which you repay with interest over an agreed period. You own the car from the outset and are not restricted by an agreed mileage allowance or end-of-contract return conditions.
Personal Contract Hire (PCH)
Personal contract hire allows you to drive a car for an agreed term and mileage in return for an initial rental and monthly payments. At the end, you return the vehicle rather than having to arrange its sale.
Why choose Causon?
- Access to 25 trusted lenders to find the right deal
- Low deposits, balloon payments and flexible early terminations
- Options for improved tax efficiency and cash flow
- Maintenance, service, and recovery can be included
- Fixed or variable interest rates for simple budgeting and flexible settlements
- Funding available for all credit profiles, from strong credit to more challenging circumstances
- We handle all paperwork and submissions. One application, multiple lender options
Talk to our car finance experts today and get your tailored funding options with no hassle.
FAQs
Why use a car finance broker instead of arranging finance through a dealership?
A dealership will usually offer finance through its own selected provider or panel. As a car finance broker, Causon Business Finance can approach suitable lenders from a panel of 25, ranging from main banks to niche lenders, and compare different finance structures and lending criteria. This gives you one point of contact and avoids making separate applications to several providers yourself.
Do I need to pay a deposit for car finance?
This will depend on the finance option, the vehicle and the lender’s criteria. Some agreements require an initial deposit or rental, while lower-deposit options may be available in certain circumstances. Paying a larger deposit will normally reduce the amount being financed and may lower the monthly payments.
How long does it take to arrange vehicle finance?
The timescale depends on the vehicle, finance option and information required by the lender. Vehicle finance can often be approved and paid out within 24–72 hours. We’ll keep you informed throughout the application and let you know if any additional documents or checks are needed.
How can I finance a car through my business?
A business can finance a car through hire purchase, finance lease or contract hire. The right option will depend on factors such as whether you want to own or return the car, your expected mileage and your monthly budget. We’ll explain the options and help you find a suitable arrangement.
Can I get car finance if I have a poor credit history?
Some lenders consider applications from people and businesses with less straightforward credit histories. Approval is not guaranteed and will depend on affordability, the vehicle and the lender’s criteria, but we can discuss your circumstances before approaching potentially suitable funders.
How long can I finance a motorhome for?
Causon Business Finance can arrange motorhome finance over terms of up to 10 years, including agreements with a balloon payment at the end of the 10-year term. Certain converted campervans may also be considered through funders on our panel. All finance remains subject to status and lender criteria.
Can you arrange car finance across the UK?
Yes. Causon Business Finance is based in Hinckley, Leicestershire, and arranges car finance for businesses and business owners across the UK.